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Housing decision

Move vs. Modify Calculator

Create a transparent baseline for two options. Add qualitative factors—support network, care access, transportation, taxes, and maintenance—outside the math.

Planning inputsUpdates automatically
$
Use a planning range or itemized bid.
$
Include storage and temporary accessibility needs.
$
Used with the sale-cost percentage.
%
Agent, concessions, transfer, preparation, and closing assumptions.
$
Purchase price before buyer closing costs.
%
Loan, title, escrow, inspection, and prepaid assumptions.
$
Moving, storage, travel, and immediate setup.

Estimated result

Modify $73,000 · Move $105,150

Modify has the lower modeled one-time impact by $32,150.

How to interpret the result

  • A lower one-time cost does not automatically mean a better long-term housing choice.
  • Compare monthly housing cost, taxes, insurance, transportation, support network, and future modification needs separately.

Transparent method

The tool applies this planning structure:

modify = project + temporary housing; move = sale + purchase + moving + price gap

Important limits

  • Equity, mortgage payoff, taxes, financing, investment returns, appreciation, and ongoing care are not modeled.
  • Get financial, tax, real-estate, and accessibility advice for a high-stakes decision.